---
kind: "section"
citation: "12 C.F.R. § 617.7005"
title: "12"
number: "617.7005"
heading: "When may electronic communications be used in the borrower rights process?"
url: "https://uscodex.org/cfr/12/617.7005"
---

# §617.7005. When may electronic communications be used in the borrower rights process?


Qualified lenders may use, with the parties' agreement, electronic commerce (E-commerce), including electronic communications for borrower rights disclosures. [Part 609](/cfr/12/part609.md) of this chapter addresses when a qualified lender may use E-commerce. Consistent with these rules, a qualified lender should interpret [part 617](/cfr/12/part617.md) broadly to allow electronic transmissions, communications, records, and submissions. However, electronic communications may not be used for a notice of default, acceleration, repossession, foreclosure, eviction, or the right to cure when a borrower's primary residence secures the loan. In these instances, a qualified lender must use paper disclosures.


## Notes

### Authority

Authority: Secs. 4.13, 4.13A, 4.13B, 4.14, 4.14A, 4.14C, 4.14D, 4.14E, 4.36, 5.9, 5.17 of the Farm Credit Act (12 U.S.C. 2199, 2200, 2201, 2202, 2202a, 2202c, 2202d, 2202e, 2219a, 2243, 2252).

### Source

Source: 69 FR 10907, 10908, Mar. 9, 2004, unless otherwise noted.